If you’re in your early 60s, there have been recent changes to catch-up contribution provisions that may allow for increased savings opportunities. The SECURE 2.0 catch-up contributions age 60-63 provision may allow eligible Feds to potentially contribute more than the standard ... Read More

Ask most federal employees when they plan to retire, and they’ll give you a year. Ask them which ages matter before that year, however, and the conversation suddenly stalls out. That gap is where many retirement plans fall short. Understanding ... Read More

In this episode, Ed and Dan explain how the SECURE Act 2.0 affects the Thrift Savings Plan (TSP) for federal employees and retirees. From required minimum distribution (RMD) age changes to higher catch-up contribution limits, this episode breaks down the ... Read More

To help individuals save for their retirement, Congress passed the Setting Every Community Up for Retirement Enhancement Act of 2022 (SECURE Act 2.0). SECURE Act 2.0 was signed into law by former President Joseph Biden on December 29, 2022. There ... Read More

The Office of Personnel Management (OPM) recently announced a surge in retirement applications this year. Over 70,000 Feds have already filed to retire in 2025, with large spikes in May, June, and August. This equates to a nearly 40% increase from 2024. ... Read More

In this episode, Dan and Ed explain the upcoming 2026 change requiring high-earning federal employees to make TSP “catch-up” contributions only to the Roth TSP. They also discuss how the $145,000 wage threshold is determined, how dual employment impacts eligibility, ... Read More